Personal Wealth OS
Stable, improving
Wealth
Build clarity, control, growth, protection, and financial freedom — one calm, deliberate step at a time.
Today’s focus: lift your savings rate and clear the review inbox. Main bottleneck right now is emergency-fund coverage.
Next best action
Increase your emergency fund by €90/month
Connected goalEmergency fund
On calendarMonthly transfer
LiftsProtection · +4 score
62%
Finish setting up your Wealth Command Center
6 of 10 steps done · start with a simple snapshot, add details later.
Where you stand
Updated today, 09:42
Sample · Wealth Score · clarity & readiness index
Sample data
72/100
Stable
CashflowStrong
Savings rateGood
Emergency fundNeeds work
Debt healthImproving
Investing consistencySteady
Income growthOn track
OrganizationGood
ProtectionPartial
Your score rose because your savings rate increased and debt balance fell. Main weakness: emergency fund coverage — three months of runway would lift it most.
Net worth
€84,250
+4.8% this quarter
Driven by savings and investment growth.
Today, 09:42
Monthly income
€5,400
+€200 vs avg
Salary plus steady side income.
Manual data
Monthly expenses
€3,850
−€120 vs avg
Lower dining; subscriptions crept up.
Today, 09:42
Savings rate
21%
+3 pts
Above your 18% target this month.
Today, 09:42
Debt balance
€12,400
−€640 this month
Avalanche plan on the 19.9% card.
Manual data
Investments
€28,600
+2.1% MoM
€400 monthly contribution streak: 11.
Connected
Emergency fund
72%
4.3 of 6 months
€90/mo more reaches target by spring.
Manual data
Your next best actions
Ask the coachIncrease your emergency fund contribution by €90/month
Review 8 uncategorized transactions in your inbox
Cancel 2 unused subscriptions — €34/month leak detected
Schedule your monthly wealth review for Sunday
Money
Open MoneyMoney snapshot · where it flowsToday, 09:42
Income€5,4002 streams
Expenses€3,8509 categories
Savings€750auto-transfer
Investments€400monthly
Free cashflow€400unassigned
Upcoming bills
Rent · 1 Jun€1,450
Energy · 4 Jun€135
Phone + internet · 8 Jun€72
Largest categories & leaks
Housing€1,450
Food€645 · over
Subscriptions · 2 unused€118
Transaction review inbox8 items need attention
SP
Spotify Recurring detected
Subscriptions · 96%1 Jun
−€11.99
AM
Amazon Needs category
Maybe: Home · 61%31 May
−€48.20
ST
Stripe payout Business income
Business · 98%30 May
+€640.00
Budget & cashflowJune · 64% of month used
Housing
€1,450 / €1,450
Food
€645 / €500 +€145
Transport
€186 / €300 −€114
Subscriptions
€118 / €90 +€28
Food is the main overspend — weekend dining drives it. Set a weekend food limit to claw back ~€100/mo.
Build & grow
All goalsIncome growthEarning power, not just savings
Active
€4,800
Business
€640
Passive
€110
Income growth rate+8.4% YoY
Revenue experiments this month2 running
Build income growth plan
Debt payoffSupportive, not shame-based
Total debt€12,400
Highest interestCard · 19.9%
Debt-freeMar 2028
Interest saved vs minimums€2,180
Start payoff plan
InvestingLong-term, calm, educational
€28,600+2.1%
AllocationIndex 70 · Bonds 20 · Cash 10
Monthly contribution€400 · streak 11
Risk profileBalanced · long-term
Educational tracking only. Not financial advice.
Protection readiness58% · action recommended
Emergency fundPartial · 72%
InsuranceNeeds review
DocumentsIncomplete
Account securityGood
Tax readinessNeeds work
Plan ahead
More sectionsBusiness & creatorIncluded · €7,800 rev
Profit€3,100
Tax reserve€4,200
Owner pay€2,000
Scenario plannerWhat-if & forecasts
Save €200 more/mo+€31k / 10y
Cut subs €75/moFreedom −1.2y
Income +10%Freedom −3.4y
Money rules5 active · 1 needs review
Save 20% of incomeOn
Invest every monthOn
Review subs every 30 daysDue
Routines & habits
Open RoutinesMoney routinesLinked to Routines · 12 active
Weekly Wealth Review Due in 2 days
Sundays6-week streakLast: 25 May
Daily Money Check
Daily · 21:0012 daysDone today
Monthly Budget Reset
1st of monthNext: 1 JunOn calendar
Money habitsLinked to Habits · 4 active
Review spending after dinner
Daily5 daysBudget & cashflow
Invest before spending
Monthly11 monthsInvesting goal
Cancel one unused subscription
WeeklyMoney rules
Insights
Open InsightsAlerts3 need attention
Emergency fund below 6-month target
Currently 4.3 months · €90/mo closes the gap
8 uncategorized transactions waiting
Review keeps your budget accurate
Rent due in 1 day
€1,450 · covered by current balance
Rituals & system
ReviewsWealth reviewsWeekly · monthly · quarterly · annual
Weekly review · every SundayDue today
Monthly reviewIn 3 weeks
Last quarterly auditMar · done
Start weekly review · ~10 min
AI Wealth CoachPlanning, not advice
Two quick wins this week: review 8 transactions and trim €34/mo of subscription leak. Want me to prep your monthly review?
Document vault14 files · 3 categories incomplete
Tax files
Insurance
Receipts
Open in Documents
Upload & Drive sync — soon
Integrations1 connected · more ready
StripeConnected
Bank (Plaid / Tink)Not connected
Google CalendarComing soon
Connected across Life Mastery
Wealth in your Life PlanVision · main goal · standard
Wealth visionCalm financial freedom by 52
Main wealth goal€620k freedom number
Current standardSave ≥ 20% every month
Wealth on your DashboardWealth Snapshot widget
Wealth Score72
Savings rate21%
Next actionEmergency fund +€90
Show Wealth widget on DashboardAppears in Today’s overview
Shared objectsOne object, shown in every place it belongs
Where Wealth connectsEvery system it shares objects with
Wealth doesn’t build a separate world. Your routines live in Routines, goals in Goals, habits in Habits — Wealth simply tags and connects them, so progress shows up everywhere it matters.
Routines
Wealth routines appear in Routines.
Habits
Wealth habits appear in Habits.
Goals
Wealth goals appear in Goals.
Calendar
Wealth events appear in Calendar.
Journal
Wealth reflections appear in Journal.
Reviews
Wealth progress appears in Reviews.
Academy
Wealth lessons connect to Academy.
Library
Wealth templates live in Library.
AI Coach
Wealth context powers the AI Coach.
Life Plan
Wealth goals roll up into your Life Plan.
Health & Relationships
Wealth can influence Health and Relationships insights.
Wealth shows realistic sample data for design. Figures are illustrative. AI insights are educational and planning-focused only — not financial, tax, legal, or investment advice. Tax and insurance details are generic and configurable by region.